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Journal : Neraca Manajemen, Akuntansi, dan Ekonomi

ANALISIS FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH MUSLIM MEMILIH BANK KONVENSIONAL DIBANDING BANK SYARIAH (STUDI KASUS MAHASISWA UPI) Agistia Nurbani Rajaba; Fitriyani Dwi Azzahra; Keisha Azzahra Fauzita; Wini Anisa Apriliani; Ardhan Mardiant; Edi Suresman
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 16 No. 4 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v16i4.12135

Abstract

This study aims to analyze the factors influencing Muslim students' decisions in choosing between Islamic banks and conventional banks. Although most respondents understand the differences between the two banking systems, they still prefer conventional banks. Previous research suggests that ease of access and advanced service features are the primary factors in bank selection. This study employs a quantitative approach using surveys targeting Muslim students as primary respondents. The findings reveal that the main factors influencing banking preferences include accessibility, service reach, advanced digital features, and attractive promotional programs. Additionally, long-standing habits of using conventional banks and environmental influences play a significant role in customers' decisions. Meanwhile, students who choose Islamic banks are primarily driven by religious awareness and the desire to avoid riba. This study provides insights into the challenges faced by Islamic banking and the need for enhanced digital services and more innovative marketing strategies to compete with conventional banks.
Co-Authors - Jenuri, - A Toto Suryana Abas Asyafah Abas Asyafah, Abas Ace Suryadi Ace Suryadi Aceng Kosasih, Aceng Achmad Faqihuddin Adam Alamsyah Adinda Namirah Aghnia I'lmi Diniyati Aghniasari, Keisha Lalitha Agistia Nurbani Rajaba Agnevia Nursianda Agni Nazwa N Agus Fakhruddin Agustin, Adelia Maelani Ahmad Bayhaqi Ahmady, Khaulah Najdah Labibah Ahnaf Daris Fadhilah Akhmad Roja Badrus Zaman Alden Aditia Maulana Alghefira, Ressyel Rizkya Alvida Dzattadini Alvin Setiawan Alvito Budi Astoro Amalia, Dila Ananda, Sri Risky Anatasya Jelita Putri Dirgantara Anggraeni , Septianesa Annisa Rizki Pebriani Ardhan Mardiant Armayra , Miza Arro'uf, Khofifah Arum, Gesika Putri Kencana Arya Rahardja, Muhammad Nurfaizi Asri Sri Rejeki Aufa, Nisa Aulia Mahargiani Erlangga Azyan, Nayla Ikhsani Baldan Haramain, Fathur Cik Suabuana Dallyono, Ruswan Damayanti, Alif Darmawan Sunarja Darmawan Sunarja Dasim Budimansyah, Prayoga Bestari, Redi Yamanto, Dasim Budimansyah, Delisa Hafidah Destiawan, Firda Shauma Desyanti, Intan Diah Amalia Dinda Ayu Triani Drajat, Alvira Zulva Dwietama, Regita Ayu Elan Sumarna Elsya Rahmalia Hidayat Elva Hanov Rais Satianingsih Encep Syarief Nurdin Encep Syarif Nurdin Encep Syarif Nurdin Endis Firdaus, Endis Erlanda, Sandra Mila Fahrudin Fahrudin Fajar Islamy, Mohammad Rindu Farid , Reynaldi Farid Abdullah Helmy Fawwaz, Farikh Giyats Febrianti, Erlyana Fihrallah, Resty Aprilia Firda Aulianti Fitri Febrianti Fitriyah, Assifa Fitriyani Dwi Azzahra Ganeswara, Ganjar Muhammad Ganjar Muhammad Ganeswara Ganjar, Deswinta Amelia Gina, Okta Nurul Haifa Fatharani Putri D Hopid Jidan Humaira Ulfah Humaira Ulfah, Humaira Ina Fauzianti, Ina Indriani, Sulis Indriyani Dwi Putri Ine Azizah Intan Kamelia Mumtaz Irsad Fadil Ismawati , Yuliani Keisha Azzahra Fauzita Khairunnisa Rahma Hasani Kheisya Libna Ariella Lidya Mustikasari Livia Anggina Luki Agung Lesmana Maula Diah Liani Maulidina, Annisa Melan Nur Meilani Mokh. Iman Firmansyah Moniaga, Friska Valentina Monicha Dewi Anggraeni Muhamad Raihan Eka Putra Muhammad Adam Khayla Prayoga Muhammad Aji Al-Fauzan Muhammad Hafizd Fauzi Muhammad Kurnia Sandy Kurnia Muhammad Rafa Alifian Zean Muhammad Riyan Subana Mumtaz Ali Ridha Al Munawar Munawar Rahmat Munawaroh, Siti Rahma Nabila Khairunnisa Nabila Ratu Aylend Nabila Yusuf Nadri Taja Nadya Yusrina Fauhani Naia Rachma Novia Naifa Nur Marischa Najwa Ananda Mariana Najwa Aulia Rahma Nasrulloh, Ilham Nasywa Salsabila Nayla Miftah Fauzyyah Nofita Yanti O’g’li, Sodiqov Ulug’bek G’ulomjon Permana, Rizal Putra, Zavias Putri, Mega Renanda Putri, Yessha Hanina Hardy R Adelia Renggani Julianti Rachmawati, Sella Raden Ayu Intan Fithriya Radita Dian Eka Mauldya Rahila Puspa Zahra Rahma Agustina Fadhilah Rahma Amelia Raihan , Muhammad Rambe, Anggi Afrina Rifa Nurfathin Rini Rahman Rinita Rosalinda Dewi Riska Anggraeni Saepul Anwar Saepul Anwar Salsabil, Nisa Salwa Salsabila Meydiawanti Salsabila, Khaila Nur Salwa Salsabila Saroh Kurnia Shafira Rizky Anzani Shavana Evita Kurniawan Silmi Asy-Syifaa Simangunsong, Naomi Oktavia Sofyan Sauri Solihin, Arip Sri Diana Putri Sri Hasniar Rahayu Suabuana, Cik Subekti, Ifni Izzati Suhendi Suhendi Supriyanto, Irwan Surani Erni Morowati Suryanovianti, Elsa Syahidah , Nasywa Syahidin Syahidin, Syahidin Syahla Aulia Syahida Syifa Fithriyya Talitha Alzena Tatiana Hafizha Anindya Tita Andaresta Tria Adinda Intania Putri Udin Supriadi Utami, Mega Valentina, Mita Febi Vyanara Aulyadisha Wiguna, Shandi Wini Anisa Apriliani Wirdanengsih Wirdanengsih Yulianto, Moch Diki Yulisna Yulisna Yunita Latifah, Yunita Yusman , Rannisa Aliya Yusup, Abdurrohman Zahra Nabilatu Azkia Zahra Tazkia